The Best Banks & Credit Unions in South Dakota That Don't Use ChexSystems

See editor's choice

ChexSystems can be a real pain to deal with when you’re trying to get a bank account opened in your name. It was established as a system to monitor and screen people who are looking to open checking and savings accounts. But the side effects of this kind system can result in you being unable to open a bank account even if you haven’t done anything shady.

Fortunately, there are still more than a couple of banks in South Dakota that don’t use ChexSystems for verification. We’ll be looking at some of these banks as well as what your options look like if you get flagged by ChexSystems.

Editor's Choice

BBVA Online Checking

BBVA is one of the most well-known banks for South Dakota residents that are looking to avoid ChexSystems verification (BBVA bank uses Early Warning Services to screen new applicants).

You can open this account with as little as $25 for your initial deposit.

Features and Benefits

  • Bad credit OK
  • Relaxed account opening requirements
  • Free ATM withdrawals on BBVA ATMs
  • Online and mobile banking facilities included
  • Customizable banking alerts
  • Available nationwide (except Alaska and Hawaii)
  • Member FDIC

Recommended For:

Right now, a free checking account at BBVA is the only trusted option for customers listed in ChexSystems or looking for a Second Chance Checking account. With a high approval rate and excellent features and conditions, this is a fantastic opportunity to get back on track and rebuild your credit.

Local Banking Options

Following is the web's most comprehensive list of banks and credit unions in South Dakota that do not use ChexSystems and which may approve you for a bank account.

Please note that any unsuccessful attempt to open an account may have a negative impact on your credit history and score.

To avoid this, please check if there are any proven, top picked solutions are available in your area (listed above) or on our page with best non-ChexSystems banks and other banking alternatives.

See more: Comprehensive List of Non-ChexSystems Banks

Another note to add is that it's a good idea to get your free annual report and try to dispute ChexSystems.

This list also contains email responses from banks as well as applicants’ personal experiences and comments. This page is updated regularly, so please consider adding it to your bookmarks.

Northern Hills Federal Credit Union

Form of Verification: Credit report

Email from Bank:

For a savings we do run a credit report but we do not use your score to open a savings there is a $25.00 membership fee that is held in your savings and becomes available if you should close the account.

For a checking we do use your score from trans union to base our decision on as to if we will open it or not, but you can always have a share savings with us.

It is based on tiers 599 and below we would not open without an approval by upper management, if it were 639-600 we would open but keep it in a watch position, 679-640 we would open, and anything above that 679 we would have no problem with.

Types of Accounts Offered: Personal checking and savings

Learn more about Northern Hills Federal Credit Union

U.S. Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that if your report is 21/2 yrs or older, they will not even see it. If this is your situation you can apply online, if not, you would need to visit an “in store” branch.

Most US banks “in store” branches are giving accounts to most people on ChexSystems. These are regular accounts, not 2nd chance checking...as long as you do NOT owe US Bank money and you are not reported on your ChexSystems report for any kind of "fraudulent activity".

There are some branches that are still not using this policy so it might be a good idea to call a branch local to you and ask about their policy first before going in.

Some “in store” branches have signs that actually says “ChexSystems? no problem!”… yet others will not open accounts at all. People are approved everyday.

Some branches do offer 2nd chance checking and some have been able to open business accounts when all debt to reporting bank(s) are paid and fraud is not indicated

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about U.S. Bank

Black Hills Federal Credit Union

Form of Verification: Credit report

Email from Bank:

Black Hills Federal Credit Union does not use ChexSystems when opening a savings or checking account. We will pull a credit bureau to verify eligibility for opening a checking account, however. We take the credit score into consideration as well as a few other factors. Generally, a score of 600 or greater will be sufficient to open a checking account.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Black Hills Federal Credit Union

Sioux Falls Federal Credit Union

Form of Verification: Equifax credit report

Email from Bank:

We have two types of checking accounts, your regular checking does have a minimum credit score of a 600. If your score is below that , we can take a look a opening a YES checking. This account is an electronic only account, all transactions are done through a debit card and there is a $5.00 monthly fee.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Sioux Falls Federal Credit Union

Dakota Plains Federal Credit Union

Form of Verification: TeleCheck

Email from Bank:

In regards to your question we run an OFAC and TeleCheck to verify new accounts.

Types of Accounts Offered: Personal checking and savings

Learn more about Dakota Plains Federal Credit Union

Dakota State Bank

Form of Verification: Chexcel

Special Notes:

They do not use ChexSystems.

Email from Bank:

In order to establish an account with us, you must live in our area and be able to come into the bank to complete the paperwork necessary to establish the account. We check applicants through Chexcel.

Types of Accounts Offered: Personal checking and savings accounts

Learn more about Dakota State Bank

Sentinel Federal Credit Union

Form of Verification: Credit report

Email from Bank:

We use a credit report

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Sentinel Federal Credit Union

First Dakota National Bank

Form of Verification: Credit report

Special Notes:

They do not use ChexSystems at all. Generally they pull Equifax.

Email from Bank:

In response to you e-mail we pull a credit bureau to verify your information as well as your credit worthiness. You can apply on line at firstdakota.com as well. No, there is not a set beacon score that would automatically reject the application. It is based on a number of factors, included beacon score, collection items, past dues on loans/credit cards.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about First Dakota National Bank

Bank of the West

Form of Verification: ChexSystems

Special Notes:

The manager told me its called "Fresh Start". Your last entry into ChexSystems must be older than one year. Cannot say Fraud. $10 a month.

Types of Accounts Offered: Second chance checking

Learn more about Bank of the West

TCF National Bank

Form of Verification: ChexSystems

Special Notes:

I actually called the 1800 number and they told me that as long as you don't owe TCF any money, anybody can open an account. DO NOT APPLY FOR THIS ACCOUNT IF YOU HAVE BEEN REPORTED TO EWS, THE ACCOUNT MAY BE OPENED BUT WILL LATER BE CLOSED.

Types of Accounts Offered: Personal checking, savings and business checking

Learn more about TCF National Bank

Great Western Bank

Form of Verification: ChexSystems

Special Notes:

It has been reported that as long as your report is a year or older, they will open an account. Fraud should not be indicated on the report for the best results and preferably

  1. Only one reporting bank
  2. Debt to reporting bank is paid
  3. Best to open the account over the phone

Email from Bank:

Thank you for your inquiry. If your ChexSystems record is more than a year old than it will be considered, but it is still not guaranteed that an account would be opened. The best thing to do would be to come in to a branch location, sit down and talk with a Personal Banker, and have them pull the ChexSystems report. You can discuss with them at that time, the items that mat appear on that report and whether or not the account could be opened, or what your options are.

Types of Accounts Offered: Personal checking, savings and business accounts

Learn more about Great Western Bank

Farmers and Merchants State Bank

Form of Verification: ID and SS card

Special Notes:

I CALLED AND THEY DO NOT USE CHEXSYSTEMS TO OPEN A CHECKING. All that is needed is an ID and SS card. If you request a debit card they will run a credit report.

Types of Accounts Offered: Personal checking and savings

Learn more about Farmers and Merchants State Bank

Banks and Credit Unions That Don't Use ChexSystems by State

AlabamaLouisianaOklahoma
AlaskaMaineOregon
ArizonaMarylandPennsylvania
ArkansasMassachusettsRhode Island
CaliforniaMichiganSouth Carolina
ColoradoMinnesotaSouth Dakota
ConnecticutMississippiTennessee
DelawareMissouriTexas
District of ColumbiaMontanaUtah
FloridaNebraskaVermont
GeorgiaNevadaVirginia
HawaiiNew HampshireWashington
IdahoNew JerseyWest Virginia
IllinoisNew MexicoWisconsin
IndianaNew YorkWyoming
IowaNorth Carolina
KansasNorth Dakota
KentuckyOhio